The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$17,637
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,186
−HK$557/mo
Today · 4.125%
HK$18,743
baseline
▲ 0.50% · 4.625%
HK$19,883
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,486/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,621
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,147
−HK$534/mo
Today · 4.125%
HK$20,681
baseline
▲ 0.50% · 4.625%
HK$21,771
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,362/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,164
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,823
−HK$668/mo
Today · 4.125%
HK$22,491
baseline
▲ 0.50% · 4.625%
HK$23,860
+HK$1,369/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,982/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,545
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,177
−HK$640/mo
Today · 4.125%
HK$24,817
baseline
▲ 0.50% · 4.625%
HK$26,125
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,634/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,692
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,460
−HK$780/mo
Today · 4.125%
HK$26,240
baseline
▲ 0.50% · 4.625%
HK$27,837
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,480/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,469
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,206
−HK$747/mo
Today · 4.125%
HK$28,953
baseline
▲ 0.50% · 4.625%
HK$30,479
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,906/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,746
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,734
−HK$1,003/mo
Today · 4.125%
HK$33,737
baseline
▲ 0.50% · 4.625%
HK$35,790
+HK$2,053/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,474/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,318
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,265
−HK$961/mo
Today · 4.125%
HK$37,226
baseline
▲ 0.50% · 4.625%
HK$39,188
+HK$1,962/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,452/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,039 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).